Date Received: 2016-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have homeowners ' insurance through my condominium HOA. However, Ocwen told me to get another policy that covered the interior. While I was shopping for coverage, Ocwen purchased another policy WITHOUT MY CONSENT. When I provided proof of interior insurance, Ocwen then billed me for the amount they had paid for the other policy and put that amount into my escrow, which made my monthly mortgage payments go up by almost {$1000.00} monthly. I am disputing that with them now. However, while I was away on vacation, Ocwen had people come to my condominium and plaster a yellow sticker and poster on my condominium 's door outside demanding that we call them right away or the property would be considered vacant. My neighbors saw the notices on my door and texted me pictures of them. They were very offensive, embarrassing, and could have attracted burglars because the notices indicated the property was vacant. This practice has to stop before someone 's property is burglarized. Also, they are not entitled to the amount owed on the homeowners ' insurance they bought for me because they were not authorized to do so while I was shopping for coverage, which I have and have given them proof. Ocwen is trying to extort the money from me, and I am disputing the escrow amount overage ... thus they chose to punish me by putting the notices on my door saying the property was vacant. I want the amount they say I owe to be waived and a formal apology to me.
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: What is happening on my account regarding a loan modification? I have had an extremely long and difficult time getting a loan modification with Ocwen as it was with GMAC ( XXXX ). Is Ocwen practicing ethically under the housing regulations? I will submit additional formal complaints with FHA ( and etc. ) if this is n't resolved through this correspondence. As it stands I have yet to obtain a loan modification. In XXXX, I fell behind on my mortgage because I was laid-off from my job shortly after I moved into my new townhome. In XXXX, I filed bankruptcy since I had not been able to find a job of comparable income as what I had been making prior to being laid-off. I would have given the home back to GMAC, however, I did not have a place to go and I did not want to be homeless ; so I continued begging for a loan modification each time getting lied to and denied. By XXXX, I was behind $ XXXX on my home. GMAC eventually got bought by Ocwen. Thank XXXX, I was able to finally get approved XXXX in XXXX ; and I was immediately caught up with my mortgage. Due to confusion on my XXXX end, they stopped accepting my association dues in XXXX and demanded payment from what had been discharged in my XXXX bankruptcy. I do not have that type of money ; nonetheless they began to aggressively collect from me. They placed a $ XXXX lien on my home XXXX XXXX XXXX XXXX, a $ XXXX judgment on my credit XXXX XXXX. XXXX ), attempted to liquidate my bank account XXXX XXXX ) and attempted to garnish my wages XXXX XXXX ). They are demanding payment of $ XXXX and now they are threatening to sell my home. Because of the XXXX, I previously experienced with my mortgage, I decided to give the home back to Ocwen before the XXXX decided when to foreclose. Ocwen instead decided to review my account for a loan modification in XXXX XXXX. I paid ALL of my trial payments and each time I call to check the status, I keep getting told they are still reviewing my account. Meanwhile, I receive delinquency letters in the mail from Ocwen saying I am past due and that I am behind 2 months and could face foreclosure. Now I go online and it appears as if the " modification '' has disappeared. And, I am now being required to make my normal payments. However, when I call Ocwen the representatives state " Oh no, ma'am, you are good until XXXX. Just ignore what you see online. We are still reviewing you account for a loan modification '' Bottomline : I owe my XXXX. Now I have no place to go because they destroyed my credit. Can you go ahead and resolve this problem? It appears I am being lied to by Ocwen and I will be foreclosed on by Ocwen waiting on a loan modification so I can work out a payment plan with my XXXX and my XXXX wo n't foreclose on me. That is cold-blooded! In all actuality, you CAN add the amount of $ XXXX to the back of my loan with Ocwen. The home is worth XXXX. If you would add the XXXX amount to the back of my loan with Ocwen, my principle balance would be max $ XXXX and it would NOT negatively impact Ocwen 's interest in the property. I could then sell my home in XXXX upon fully satisfying my contractual agreement with XXXX ; pay off Ocwen IN FULL and have money to move into another home-finally ENDING this NIGHTMARE on XXXX XXXX XXXX. However, if my XXXX proceeds with foreclosure Ocwen will NOT have any interest in the property. The XXXX can sell the property for whatever they want and please remember I do not have money to pay Ocwen back for whatever amount is deficient from an XXXX foreclosure. Additionally, I will not have a home. Ocwen 's motto is helping homeowners. I have yet to be helped by Ocwen as a homeowner. So far all Ocwen has done for me is cause more problems. I need help. Where are you Ocwen?
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My name is XXXX XXXX and OCWEN is my current mortgage servicer. My property is XXXX XXXX XXXX. XXXX XXXX, SC XXXX. I purchased my home in XX/XX/XXXX and my servicer previously was GMAC before they filed chapter XXXX bankruptcy. I have had ongoing problems for over 3 years now in the handling of my account. Currently, I am being told that I am behind by over two months on my payments. Over the course of my loan I have had my payments misapplied to principle only and various other issues which at times would make my account delinquent. On many occasions I have had to call and apply extra payments to ensure my account was current to avoid being reported as delinquent on my credit report due to these issues. Their have also been several calls made in which I was told my account was up to date and or caught up over the last 3 years and now I am being told I have not been on time in over 2 years. Communication has been poor at best with OCWEN. Miscommunication has been amplified due to my XXXX XXXX as I am a service member, making communication challenging. My wife on more then one occasion has told OCWEN and GMAC employees that I have been XXXX in effort to make them aware of the SCRA and has been rebuffed. Even now I am provided pay histories and as I look at it it does n't show when my payments were misapplied and then reapplied which possess a major problem in itself. I am being told I began to fall behind when my ESCROW payments increased but the issues predate that action making it seem like all I am being handed is an excuse to get me to pay with no true effort to find the source of the issues. On top of that the increase in ESCROW would not be when it started as it can also be seen that additional payments were being made to my mortgage to cover that increase. At this point the negative reporting on my account is potentially impacting my government clearance, which is need for my job. I am also experiencing a negative financial impact, as I can not refinance with negative reporting. We have requested ESCROW statements since XX/XX/XXXX and none have been provided or received and I am aware of the CFBP and XXXX requirements of service. In the end I have received only a partial history again. No real research has gone into the issue either. My account has been mismanaged for many years now and it appears true to the reputation of OCWEN it is continuing. I have filed these before and most recently the history I was provided did not reflect the many times OCWEN has had to reverse misapplied payments, which brings into question their accounting practices. What also is disturbing is the fact I have had negative reporting while items were in dispute which to my understand is in violation of TILA the Truth in Lending Act and had negative reporting while XXXX which is my understanding is in violation of the SCRA. Most recently I have been requesting copies of my ESCROW analysis and have not received it. I have not received a copy of my escrow analysis in over two years. Now that I am considering modification and have requested the forms I have not received that either.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2016-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I never owed XXXX {$310000.00} as reported to the credit bureaus. Since it was removed I suppose it paid off {$240000.00} reported by Indymac. And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. XXXX need to fix it. XXXX XXXX XXXX needs to pay me back. So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: In 2007 XXXX XXXX XXXX offered me a {$150000.00} loan in my house I did not accept this offer nor did I sign it.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.
Company Response:
State: PA
Zip: 18064
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I purchased my house in XX/XX/XXXX for {$110000.00} with adown payment of {$9000.00} My mortgage was sold several times, namely to Litton loan and XXXX. I haave never obtained a modification of {$190000.00}. The documents are a forgery. The dates are from various years. There 's a notary from Texas, I have never been in texas. I never obtained the loan. Litton loan and XXXX are both out of business for frogeing ddoucments that are false. Creating false documentation. The documents havvarious red flags, there is no legal document that can have a variety of signatures from numeryears. I have ben dealing with this for years, trying to get this resolved. I 'm asking gor help to get this debt removed from my credit and my responsibilities. I did not create this debt there is no other documentations from Litton loan and XXXX indicating any of files or conection just a bogus modification. That I did not get. I did not sign for a modification.I could not have signt for a notary from Texas, you HAVE to be in Texas in order to receive a notaryized document. I have never been in Texas please review the proof that this is a bogus debt and something should be done about this to stop this from happening, It makes no sense to obtain a loan on a house that was originally $ XXXX why would I get in to anything that is doubling the cost that I paid. I have paid the amount that I have been behind with the exception of XX/XX/XXXX balance that was most I have ever been behind. There has got to bes something that can be done.
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No